BlastPoint's Credit Union Scorecard
REVERE FIREFIGHTERS
Charter #24956 · MA
2556 CUs in <100M nationally
67 in MA
REVERE FIREFIGHTERS has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
- + Average Member Relationship (AMR): Top 9.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.99% below tier average
- - Efficiency ratio 31.40% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 0.3% in tier
- - Asset Growth Rate: Bottom 3.0% in tier
- - Deposit Growth Rate: Bottom 3.1% in tier
- - AMR Growth Rate: Bottom 3.7% in tier
- - Members Per Employee (MPE): Bottom 4.8% in tier
- - Total Members: Bottom 5.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
232
+0.9% YoY0% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
Bottom 5.3% in tier |
| Assets |
$4.7M
-11.9% YoY-0.5% QoQ
|
$-25.4M |
$30.1M
+2.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
18% |
| Loans |
$1.6M
-9.7% YoY-6.6% QoQ
|
$-14.2M |
$15.8M
-1.3% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
15% |
| Deposits |
$4.0M
-14.1% YoY-0.3% QoQ
|
$-21.7M |
$25.7M
+1.4% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
19% |
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| ROA |
-0.4%
-2448.1% YoY+123.0% QoQ
|
-1.0% |
0.6%
+10.8% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 10.3% in tier |
| NIM |
2.8%
+2.5% YoY+0.0% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 12.9% in tier |
| Efficiency Ratio |
114.0%
+14.7% YoY+8.3% QoQ
|
+31.4% |
82.6%
-2.3% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
Top 5.3% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
39.8%
+5.1% YoY-6.3% QoQ
|
-20.8% |
60.6%
-3.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
19% |
| AMR |
$24,028
-13.6% YoY-2.2% QoQ
|
+$9K |
$14,783
-1.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
Top 9.9% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
254
Average Member Relationship (AMR)
engagement
Value:
$24,028
Peer Median: -
#254 of 2556
Top 9.9% in <100M tier
609
Member Growth Rate
growth
Value:
0.87%
Peer Median: -
#609 of 2556
Top 23.8% in <100M tier
Top Weaknesses (14 metrics)
2550
Fee Income Per Member
profitability
Value:
$-30.84
Peer Median: -
#2550 of 2556
Bottom 0.3% in <100M tier
2480
Asset Growth Rate
growth
Value:
-11.86%
Peer Median: -
#2480 of 2556
Bottom 3.0% in <100M tier
2479
Deposit Growth Rate
growth
Value:
-14.06%
Peer Median: -
#2479 of 2556
Bottom 3.1% in <100M tier
2463
AMR Growth Rate
growth
Value:
-13.60%
Peer Median: -
#2463 of 2556
Bottom 3.7% in <100M tier
2435
Members Per Employee (MPE)
engagement
Value:
77.333
Peer Median: -
#2435 of 2556
Bottom 4.8% in <100M tier
2421
Efficiency Ratio
profitability
Value:
113.96%
Peer Median: -
#2421 of 2556
Bottom 5.3% in <100M tier
2420
Total Members
engagement
Value:
232
Peer Median: -
#2420 of 2556
Bottom 5.4% in <100M tier
2294
Return on Assets (ROA)
profitability
Value:
-0.36%
Peer Median: -
#2294 of 2556
Bottom 10.3% in <100M tier
2226
Net Interest Margin (NIM)
profitability
Value:
2.76%
Peer Median: -
#2226 of 2556
Bottom 12.9% in <100M tier
2170
Total Loans
balance_sheet
Value:
$1.59M
Peer Median: -
#2170 of 2556
Bottom 15.1% in <100M tier